3-Car Accident — How Much is My Case Worth?
If you were involved in a 3-car accident in Texas, your case may be worth a significant amount—but it depends on several key factors. The largest factor in determining your claim’s value is the available insurance coverage. Texas is an at-fault state, which means you typically pursue the insurance of the driver responsible for causing the collision.
However, it’s not always clear how much insurance the at-fault driver carries. Texas law requires a minimum liability coverage of $30,000, so there is at least some baseline protection. But if the at-fault driver has $100,000, $150,000, $300,000, or a commercial vehicle with a $1,000,000+ policy, that can dramatically affect the total value of your case. Your own insurance may also provide coverage through underinsured motorist or personal injury protection policies.
INSURANCE COVERAGE ALONE DOESN’T DETERMINE CASE VALUE
Being involved in a 3-car accident does not automatically guarantee full compensation. Insurance companies often assume these collisions are minor, but even a 3-car crash can result in serious injuries, including broken bones, whiplash, spinal injuries, or soft tissue injuries, depending on the severity of the impact.
You need an attorney who knows how to document injuries, medical treatment, lost wages, and other damages. Simply asking the insurance company for a settlement is rarely enough—they often offer a low amount, hoping you accept it.
TYPES OF DAMAGES YOU CAN RECOVER
Under Texas law, you are entitled to compensation for multiple categories of damages when you are involved in a 3-car accident:
Past medical bills
Future medical bills
Past pain and suffering
Future pain and suffering
Past mental anguish
Future mental anguish
Past physical impairment
Future physical impairment
Past lost wages
Future loss of earning capacity
HOW AN ATTORNEY CAN MAXIMIZE YOUR CASE
An experienced personal injury lawyer knows how to gather evidence, document medical treatment, and pressure insurance companies for fair settlements. If your claim is undervalued, your attorney can file a lawsuit to unlock full coverage and leverage additional sources of insurance.
Even with clear injuries, insurance companies often undervalue claims. Attorney representation ensures you receive the maximum possible settlement, typically for a fraction of the compensation you recover.
WHY LEGAL EXPERTISE MATTERS
A 3-car accident in Texas can result in serious injuries that affect work, mobility, and daily life. A personal injury attorney ensures your treatment is properly linked to the accident, your damages are fully documented, and you recover every dollar you are entitled to.
